Can a collection agency actually delete an entry to a credit reporting agency? Conserve says that they can't and if they can I would like some verbiage to use in letter form to them.
Yes, a CA can delete their own entry on your credit report. There is someting called a UDF (universal data form) which is what they need to send the CRA's. On the form, there are certain boxes they need to check (i.e. a delete account entry box) etc.
Thanks for the response - However, how can I get them to do it. The usual customer service reps. who seem to lack a couple of brain cells say the "They Can't Do That". Is there a form letter or a form of some sort that I can send them? Thanks again
We'll need more information on your situation. Speaking generally, you need to start the process by sending a validation request letter to the CA. At that point, if the CA is reporting, they need to place an 'in dispute' notation on your reports. If they don't they're violating the FCRA. It gets more involved (okay, way more involved), but until we have some specifics, I wouldn't know exactly what to tell you. Or, if you wish, you can read up on the board.
Thanks a mill. Does anyone out there have a sample validation request letter. These people are becoming a pain in my arse.
Sample validation letters can be found in the FAQ's section of the board (top thread on first page), or in the sample letter section (accessed through the screen where you can choose which lounge to read/write in).
